Caravan Park Insurance
Specialist Caravan Park Insurance Broker
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Specialist Caravan Park Insurance Brokers
Running a caravan park involves managing guests, staff, cabins, powered sites, amenities, and shared facilities — all while dealing with weather risks, public liability exposure, and strict compliance requirements. With so many moving parts, unexpected damage, liability claims, or business interruptions can put your livelihood at risk.
That’s why having Morgan Insurance Brokers on your side pays off. As specialist Caravan Park Insurance Brokers, we understand the unique risks faced by caravan parks and holiday parks across Australia. We work with a wide panel of insurers to arrange tailored Caravan Park Insurance, not one-size-fits-all policies.
Why Choose a Specialist Caravan Park Insurance Broker?
Caravan parks face very different risks compared to standard commercial properties. From guest injuries and storm damage to seasonal income fluctuations, your insurance needs to be designed specifically for your operations.
As experienced caravan park insurance brokers, we:
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Understand the caravan and holiday park industry
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Identify gaps and exclusions in standard policies
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Compare multiple insurers on your behalf
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Tailor cover to suit your park’s size, location, and activities
This ensures your business is properly protected when the unexpected happens.
What Does Caravan Park Insurance Cover?
Caravan Park Insurance is typically arranged as a specialised Business Package Insurance and can be customised to suit everything from small family-run parks to large holiday resorts with cabins and extensive amenities.
A well-structured policy may include protection for:
Property Damage Claim Example
Business Interruption Claim Example
Theft Claim Example
Money Claim Example
Public Liability Claim Example
Glass Example
Machinery Breakdown Example
Electronic Breakdown Example
What is typically not covered?
Understanding exclusions is just as important as knowing what’s covered. An experienced broker ensures you’re never caught off guard.
Common exclusions may include:
Deliberate acts
Product recall costs
Injuries to your employees (Workers Compensation)
Wear & Tear and Old Age
Flood - Available on request
Aircraft products
Asbestos Liability
Pollution Liability
Contractual Liability
Professional advice
Why do you need Caravan Park Insurance?
Owning or managing a caravan or holiday park comes with unique risks that can quickly impact your business and reputation. Storms, fires, guest injuries, theft, or loss of income can cause serious financial strain.
Caravan Park Insurance protects:
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Cabins, amenities, and park infrastructure
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Equipment and machinery
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Your liability to guests and the public
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Your income during unexpected closures
With tailored Caravan and Holiday Park Insurance arranged through Morgan Insurance Brokers, you can operate with confidence and peace of mind all year round.
Your Dedicated Caravan Park Insurance Broker
Kari Massey
Senior Insurance Broker — Business, Liability & Caravan Park Insurance
Kari Massey is an insurance broker specialising in caravan park insurance, bringing dedicated expertise to one of Australia’s most unique and often underinsured sectors. Kari works closely with caravan park owners and operators to identify their specific risks from public liability and property damage through to loss of income and guest-related incidents, and structures insurance programs that provide genuine, comprehensive protection.
With a thorough understanding of the operational complexities facing caravan parks, holiday parks, and mixed-use accommodation businesses, Kari is well placed to navigate the insurance market on her clients’ behalf. She works with a broad panel of Australian insurers to secure competitive, tailored cover that reflects the real risks of running a caravan park.
Kari is committed to building long-term relationships with her clients, providing clear advice, proactive policy reviews, and hands-on claims support when it matters most.
Client Success: North Queensland Caravan Park
When a caravan park operator up in North Queensland came to me, they’d pretty much reached the end of their tether. Their renewal had come in a lot higher than the year before and their insurers just shrugged and said ‘Sorry, that’s just the way it is” – their reasoning being that cyclones & storm surges in the region made it far too tough to keep the premium the same.
I don’t blame them for being frustrated – North Queensland is a hard place to insure a business and I know plenty of operators up there will might accept it because they think there’s no other option. But I wanted to take a good hard look at things before we accepted the first offer.
When I looked through their existing policy, I could see they were paying for all this cover that just didn’t relate to their business anymore . Even more worrying, though, was the massive gaps in their cover – like loss of income. Those were the things that could have really crippled them if something went wrong during peak season.
I took their risk profile and shopped it around to a large panel of insurers who’ve actually got great experience with regional & coastal accommodation. What came back was a brand new program that knocked about 15% off their premium – and actually broadened their cover for property damage, business interruption & public liability.
For them, it was a huge weight off their shoulders heading into cyclone season knowing they’re properly covered – the real areas that matter when disaster strikes.
If you’re a caravan park operator in one of those tough areas and you’ve been told there’s nothing that can be done about your premium, I’d love to have a chat with you.
Kari Massey
EXPERIENCE
8+ years in insurance broking
LOCATION
NSW
Can caravan park recreational activities be covered by insurance?
Running a caravan park means offering guests more than just a place to stay. Jumping pillows, waterslides, flying foxes, pedal karts, and watercraft hire are what make your park stand out from competitors. The question most operators ask is whether all of these activities can actually be insured. The answer is yes — and here is how.
Recreational activities that can be covered
Every park is different — cover is tailored to your specific attractions
Jumping pillows and playgrounds
Children's play equipment, safety surfacing and liability for guest injury
Pedal karts and equipment hire
Liability for guest use and equipment damage during hire periods
Waterslides and swimming areas
Water-based attractions, pool areas and liability for aquatic incidents
Flying foxes and adventure equipment
Supervised thrill activities including zip lines and adventure structures
Kayaks, boat ramps and watercraft hire
Liability and damage cover for on-water recreation and hire equipment
Yes — all of these activities can be covered under caravan park insurance
Caravan park insurance can be structured to include public liability protection for your recreational activities and equipment — from jumping pillows and playgrounds through to waterslides, flying foxes, and watercraft hire. Every park is unique, which is why cover needs to be tailored to your specific attractions and operations rather than taken from a generic policy template.
The key is making sure your broker knows exactly what activities and equipment your park offers, and that each one is specifically addressed in your policy. A general caravan park policy that does not name your specific recreational facilities may not respond to a liability claim arising from those facilities. This is one of the most common gaps we find when reviewing existing caravan park policies.
Protecting your guests, staff, and business
Not sure whether your current policy covers all your recreational activities? We will review your policy, identify any gaps, and ensure every attraction at your park is specifically protected.
Review my caravan park coverWhy is caravan park insurance so expensive?
If you operate a caravan park, you have likely experienced shock when your insurance renewal comes through. As insurance brokers specialising in parks, we are regularly asked why premiums are so high and what can be done about it. Here is an honest explanation of the key drivers.
Caravan parks are often located in coastal, floodplain, cyclone-prone or bushfire-exposed areas. Insurers are seeing more frequent and severe losses from storm damage, floods, and large claims arising from amenities including swimming pools, water slides, and jumping pillows, alongside the consequent business interruption.
The size of assets — cabins, powered sites, amenities, communal buildings, and infrastructure — means rebuild and repair costs are significant. When a major loss occurs, interruption to guest revenue compounds the total claim cost considerably.
There is a lack of insurers willing to take on caravan park risks, particularly in higher-risk geographies. International insurers have pulled back from Australia's leisure and tourism accommodation sector. With fewer underwriters in the market, competitive pressure reduces and premiums rise alongside less favourable terms — higher excesses and more restrictive exclusions.
The insurers that remain are more selective. They apply stricter risk criteria, exclude certain activities and locations, and are far less willing to compete aggressively on price. This "hard market" is very evident in the caravan park sector and is unlikely to ease quickly.
Unlike a standard commercial property, a caravan park has many moving parts — guest accommodation across cabins and powered and unpowered sites, on-site amenities including pools and playgrounds, sometimes hire equipment or watercraft, public liability exposures from communal facilities, and seasonal variations in occupancy and activity levels. Insurers must price for all of these simultaneously.
Parks in remote or regional locations may also have limited access to emergency services, slower storm response, and drainage constraints — all of which increase the potential for loss or slow the recovery timeline, which further increases the insurer's exposure.
Rebuilding after a storm or major loss is materially more expensive than it was five years ago. Materials, labour, logistics, and supply chain costs have all increased significantly and insurers reflect that directly in premiums. Business interruption costs — the guest revenue lost while repairs are carried out — are a major additional component of the risk exposure.
Many parks have also expanded their asset base to remain competitive, adding more cabins, upgrading amenities, and developing new facilities — which increases the total sum insured and the overall exposure the insurer is carrying.
Why northern, remote, and high-catastrophe locations face worse pricing
How working with a specialist broker gives you the best chance
Finding the right caravan park insurance at a manageable premium is genuinely difficult in the current market. A specialist broker who understands how caravan parks work — and who knows which insurers are still willing to write this risk — makes a material difference to both the cover you can access and the price you pay.
Access to specialist underwriting capacity
Finding insurers who actually understand parks
A broker who knows the caravan park industry already has relationships with the insurers who understand how your business works and who are more likely to offer a quote when general insurers will not. We know where to find niche providers and specialist programs designed for parks, giving you more options and better cover than going to the open market directly.
Better risk presentation and documentation
Making your park look its best on paper
A good broker does not simply hand your details to an insurer. We compile a complete and professional risk profile — your property details, maintenance records, safety measures, flood and cyclone evacuation plans, drainage, and amenity management. The more confident an underwriter feels about your risk management, the less they will load your premium.
Comparative shopping and expert negotiation
Getting the best deal from a limited market
With few insurers offering caravan park cover, having a broker who can shop around and negotiate on your behalf is critical. We compare policies across our panel, talk directly to underwriters, and evaluate not just the price but what is actually covered, what is excluded, the excess, and the quality of the claims service when you need to use it.
Ongoing advice and renewal strategy
Planning ahead rather than reacting at renewal
A specialist broker monitors the market for you throughout the year. We advise on adjusting excesses, improving risk controls, reducing activities that push up premiums, and start your renewal process early enough to plan ahead — making improvements, reducing exposure, or exploring alternatives before the renewal lands on your desk.
Guidance on alternative structures
When the standard market cannot help
If cover options are limited or premiums are extreme, a specialist broker can explore alternative structures — splitting property and liability cover, layering policies, or specialist programs. We also help you understand which covers are genuinely essential and where you may be able to carry more risk yourself, making insurance more affordable without leaving you unprotected.
Finding caravan park insurance hard to secure or seeing premiums climb every year? You are not alone — and you do not have to face it on your own. We will do the hard work finding the right insurers, comparing cover options, and negotiating better terms so you can focus on running your park.
Get a caravan park quoteFAQ's
Caravan Park Insurance covers property damage, public liability, theft, business interruption, and machinery or electronic equipment breakdown. It protects cabins, amenities, and park assets from unexpected events like storms, fire, or accidents. This tailored caravan park insurance ensures your business stays financially secure and operational when the unexpected happens.
As experienced insurance brokers, we know the cost of Caravan Park Insurance in Australia varies depending on your park’s size, location, and risk profile. At Morgan Insurance Brokers, we compare quotes from multiple insurers to find the best-value cover tailored to your needs.
Yes, Caravan Park Insurance typically includes Public Liability cover, which protects you if a guest, visitor, or third party is injured or their property is damaged while on your premises. At Morgan Insurance Brokers, we ensure your liability cover is comprehensive and suited to your park’s operations and risk level.
Yes, cyclone damage can be covered under a caravan park insurance policy, but it’s not automatic and the terms vary significantly depending on your location and insurer. For parks in northern Queensland and other high-risk coastal regions, cover may come with higher excesses, sub-limits, or specific conditions that need to be carefully reviewed. In some cases, certain insurers will exclude cyclone cover altogether in these areas.
That’s where having a specialist broker makes a real difference. We work with insurers who understand the regional risk landscape and can structure a policy that includes meaningful cyclone protection, not just a inclusion buried in the fine print. You can read more in our guide to understanding cyclone insurance cover for caravan parks across Northern Australia.
